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called a prescriptive easement. That means that if a person has been using another person's property for X amount of time (measured in years and I suppose it varies by state) without any objection from the owner, that person can claim a prescriptive easement. This basically means that since the own...

1. Do you have one and did you install it or the house came with it? If you did install it did you see the cost of heating go down? Alternately the temperature you keep your house at went up, at the same cost for heating? Installed it in 1994. Winston is brand, I think they are out of biz now. Elect...

If you get the property under contract with a reasonable Title Objection Deadline, then get a Title Commitment for a title policy drafted by the strongest title company in your area. They will research the title and may or may not find that "easement". Either way, make them aware of it and...

From tomorrow we are visiting Maui for 5-6 days. Our airline, hotel ( Napili point, kapalua, ) and car are booked. I am looking for advice for activities, eating places etc. Wife and I are going and we in our late 40's , early 50's and in good health. I will be attending a conference for 4-5 days f...

I wanted to extend a thank you to everyone who has made this list possible and the valuable advice shared. Several years ago I realized that my alpha seeking strategy and market timing were not working for me on any level. I ended up lurking here for a while and reading parts of the wiki a few times...

Questions: What are the pros and cons of continuing as sole proprietor? Should I consider LLC or other forms like c- or s- corp? This year or next? Thanks. LLC provides some separation between your personal and business assets and liabilities. One person LLC does not really impact federal tax filin...

Insurance for my Leaf was a little less than I expected for a similarly priced car. My broker thought it might be due to expected decrease in miles driven per year. That is not happening for us. We are at over 7,000 miles after 5.5 months as we maximize use but statistically it is probably true.

There are definitely cars among the brands that you listed that you could pick up for under $10k with 50 or 60,000 miles. I bought a new car this year, something that I have not done often in life, as I wanted an electric car. Could have paid cash but got 0% interest so I took a loan. Many of the ca...

HOA regulation is a state matter. Look up your state's laws regarding HOAs. You are likely to find a government agency that regulates HOAs. Call them and ask your questions. In our state, a 20 year old set of covenants would not hold up due to changes in the requirements for such and the reformed HO...

Apples and oranges. Comparing a extremely passive approach to investing for retirement to an active investment/leveraged in real estate. There are countless threads on similar topics. As for a RE, if you can buy in accord with your terms (rent, monthly expenses, high occupancy area, etc), it has goo...

Learning how to stake out a deal from your FIL, accumulating enough cash to make cash deals possible, and staying in your local market all make this possible for you. Maybe he wants a property manager for some of his properties so that you can see what it is like managing multiple properties. You co...

If your father gets to estate planning and asks for your input- you might discuss the pros and cons of real estate going through probate and if he decided not to send it through probate what options exist in your state. As far as your life, other than perhaps shying away from real estate investment,...

If you have the time and inclination, you could keep abreast of the stock, read analyst reports, maybe see if you can get access to analyst phone calls, and give them a heads up if something seems to be changing. That keeps them in control and you out of it unless something seems to be changing. Lot...

At $12k down, assuming from your cash or taxable investment and with a new payment of $500 per month and assuming your current mortgage is about $1,000 per month, it looks like you could swing it financially. Your taxable would need to provide your emergency fund, which could drive earnings from tho...

HD and Lowes both have a line of assembled cabinets that they carry in stock that have plywood boxes and wood doors (my minimum standards). I used the hickory ones from Lowes in a nice rental and they looked good. Used maple from HD a while back in an apartment. They are fine for most uses but you m...

Having biked the area but went to some of the same spots. Went to Brecon Beacons for walking and the Brecon Jazz Festival. Van Morrison in a small hall for two shows, very nice. I remember thinking that it would be a great place for bike riding. Then to Lampeter for conference on the Grail stories. ...

You would be making an offer to the current owner, who may have good reason to agree to it. But then your contract goes to the bank and depending on the bank you could wait from a month to many months for a response. If you have a realtor, there would be two things that I would ask of them: 1.) find...

Early 70's Alpha Romeo Spider, a red one with a sweet paint job is within your budget. Head turning convertible. Good car as long as you do not have to drive it.If your budget was bigger I would say a 914/6

I have another 15 months on it. If I were to terminate my lease before 36 months, I would have to pay back the $2500 incentive to the state California. Thus I won't do that. The other reason is that I don't know what I would replace it with right now. I would be fine with a Leaf with twice the rang...

The cheapest one that will get you access to 4LTE. A pretty basic smart phone is a miracle device and the differences between the best ones are most relevant if you use a Mac computer or and all about Google. The trailing edge with 4LTE will last a couple years just fine. FWIW, I am an Apple guy- se...

I drove an old, reliable, and cheap Sienna van so I probably did not save money buying my Leaf. It was more of a act to support the redirection in auto technology rather than shrewd economics. Regardless, the tax credits made it possible. I would probably not have been able to talk myself into it ot...

I have bought whole salmon that were flash frozen for many years. I have had them fedexed in dry ice in 50 lb. boxes from http://www.capecleare.com and there are others that offer similar. I like Rick's fishing ethos so I buy from him. While they might not be the same as eating from the campfire aft...

There were other issues in the inspection report, and I am not satisfied with how the repairs have been dealt with either. Not deal breakers but something that would cost me a total of 3-4K to fix. I am having second thoughts on buying the house. What can I do? Can I back out of the closing? I woul...

With just 2 items (stocks + savings bonds), how difficult would it be if I went to Probate court? Or should I get a lawyer? I served as executor of a pretty involved, seven-figure estate (with will) that was a challenge due to some incomplete legal work. We were in Suffolk rather than Manhattan but...

Every state has water testers certified by that state. I would recommend you use one from your state via googling your state enviro health dept. They will send you a kit and instructions for how to withdraw and handle the sample. You can call with questions. Assuming that you are on a public water s...

I'd love to get a recommendation on forums dedicated to sailing, owning a boat, being out to sea, etc. Thanks for the links so far! Cruisers Forum is the king, my favorite section is Sailor's Confessional but there is lots of practical info there as well. Priceless live aboard info and connections ...

There are two types of questions to be answered: 1.) questions of fact 2.) Questions of responsibility Facts, there are two different statements about water intrusion/damage- did your inspector take photos as one typically would? If so, then you can present the seller with those photos and other evi...

So a few questions: 1) Is it worth it? 2) How'd you get started? 3) Any good books you recommend? In theory, I think I' could do it and it would work out fine. But in practice, I think I might get rattled/stressed when I experience my first major issue. From your comments I am guessing that you mea...

Should I have one at all and why? Should I seek a rebate realtor since the legwork of finding a place is done and they just need to help with the offer/negotiating? Should I just go the traditional route and hire a full commission realtor? If you are buying a property listed with a realtor, then ge...

I general I would stick with my AA unless the taxes involved made that a deal killer. If so, then I would look into selling lots of holdings according to purchase price to look for tax loss harvesting, long term capital gains, etc. If I had to be off AA for a bit in order to avoid unnecessary taxati...

since you had good luck with Onkyo before, why not buy a Onkyo AV receiver? You can buy one with 7 channels and still only use two. That way if you change your mind, you can add surround later. techbargains.com will sometimes have links to refurbs and last years models at really attractive prices. G...

See if your local library has or can get "Home Buying Kit for Dummies" by Eric Tyson. Not that you are a dummie but rather than this is your first home and your post suggests that a little homework on the process will help you be a better buyer.

Hourly will vary wildly by area and experience. More importantly, did you achieve good representation? On certain types of issues, a land use attorney can save many hours by already being familiar with the land use code, Comp Plan, and hearing processes. A cheaper (hourly) lawyer who does not work a...

Finding money will be really hard for you. Any chance to partner with an experienced mfh developer on your project to create a start of a track record? The bank is going to want credit and significant skin in the game, you are probably looking at private money for loan with a refi upon occupancy.

Since you should have some skills at putting together the vertical construction costs and critical path, I would focus on asking/learning about other considerations. I would start with asking if there is high demand, high rent, and low building costs then why aren't people building more apartments? ...

Anyone can sue anyone. The various insurance agencies involved and the owner of the lot the home was built on will most likely seek a settlement. The lot the house was built on was worth more money that the intended lot so someone will have to come up with some cash if the goal is a lot exchange. I ...

Churchill is quoted as saying "we shape our buildings; thereafter they shape us" I think the same is true for money. We invented the dollar bill and then it started to shape our lives. Being conscious of our relationship to money is hard work and can lead us into our fears and hurts. Part ...

I would be talking to two realtors, one in my area to sell my house and the second in the City. I would ask my realtor for an as-is, fast sale assessment of price for my house with comparables to support their recommendation. Sell it and move on. Sounds like a great house with good energy that someo...

I had a real estate investment partnership with a business partner in an investment property once and it was important to both of us that we not have a melt down that impacted our professional lives. We agreed to a process that was to: 1.) Create an outline of a Term Sheet- what issues we each thoug...

Now, though, it seems that people download music, and it is almost all MP3s. Granted, you can fit thousands of these on your iPod but the sound quality is really terrible. We would have sneered at these in my stereo store days. But this seems to be what music is now. Am I missing something? Where d...

Without knowing what your family likes to do, hard to give much info but here are some general tips: Akumal has the type of accommodations you seek, nice beach, good snorkeling, enough restaurants to meet your desires. About 1.5 hours south of Cancun. There are resorts and homes/condos at Half Moon ...